RateDex

Presented by the National Association of Federally-Insured Credit Unions (NAFCU) in cooperation with S&P Global Market Intelligence and DatatracRates based upon a survey of 194,418 financial institution locations in 19,504 markets across the United States as of 2/20/2018.

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ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k0.120.300.010.421.390.1530
6 Mo CD - $10k0.200.750.010.511.560.3030
1 Yr CD - $10k0.541.250.050.881.740.5035
18 Mo CD - $10k0.551.250.051.151.850.7060
2 Yr CD - $10k0.651.360.151.351.940.8071
30 Mo CD - $10k0.471.360.151.321.651.0586
3 Yr CD - $10k0.851.620.201.582.041.1073
4 Yr CD - $10k0.771.770.201.852.161.36108
5 Yr CD - $10k1.112.020.251.992.321.6688
1 Mo CD - $100k0.140.200.100.180.200.155
2 Mo CD - $100k0.140.200.100.200.200.206
3 Mo CD - $100k0.160.400.010.240.300.158
6 Mo CD - $100k0.300.850.100.380.450.309
1 Yr CD - $100k0.591.350.050.781.250.5520
2 Yr CD - $100k0.691.460.161.241.700.8554
3 Yr CD - $100k0.891.720.201.461.941.1057
Interest Checking - $5k0.060.150.030.060.100.050
Liquid IRA Account0.090.140.030.281.000.1019
Money Market - $2.5k0.090.150.020.140.250.106
Money Market - $10k0.090.150.030.220.500.1113
Money Market - $25k0.120.200.040.260.600.1514
Money Market - $50k0.120.200.050.330.750.2120
Money Market - $100k0.120.200.060.451.010.2532
Money Market - $250k0.130.200.060.451.010.2531
Regular Savings - $1k0.060.100.010.150.500.109
New Car - 36 Mo3.474.142.862.984.251.99-49
New Car - 48 Mo3.494.142.863.014.251.99-48
New Car - 60 Mo3.504.242.863.154.252.24-35
New Car - 72 Mo3.544.492.863.284.252.24-26
Used Car - 36 Mo3.804.722.942.984.251.99-82
Used Car - 48 Mo3.824.722.943.014.251.99-81
Used Car - 60 Mo4.014.742.993.154.252.24-86
Used Car - 72 Mo3.253.502.993.164.252.24-9
New Boat - 60 Mo6.3110.604.495.016.253.74-130
Rewards Credit Card13.5314.2413.249.7010.508.90-383
Credit Card Platinum12.5316.4011.249.879.999.75-266
Credit Card Classic13.9013.9013.9013.6214.2512.99-28
Home Equity - LOC5.937.884.505.136.004.25-80
Home Equity - 5 Yr5.656.005.196.667.505.43101
Home Equity - 10 Yr5.656.005.296.597.505.6894
Home Equity - 15 Yr5.585.585.586.567.255.7298
15 Yr Fixed3.9754.2953.3753.5804.0002.875-39
20 Yr Fixed3.7424.3841.0004.0104.5003.50027
30 Yr Fixed4.3794.5824.1254.2274.7503.625-15
1 Yr ARM3.6923.6253.625 
3/1 ARM2.8763.7501.0003.4413.3753.37556
5/1 ARM3.7374.5573.0004.0055.5003.00027
7/1 ARM4.1384.5643.2504.4495.5003.75031
New RV - 60 Mo6.4510.603.994.866.252.84-159
Unsecured - 36 Mo9.6910.169.2111.1414.957.40146
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* Represents the difference in the average rate between banks and credit unions.